u/dsm5lovechild

I (28F) withdrew $7700 from my 401k this year because it was my only option. I understand how bad of an idea that was, but it was my only option to survive. I have now found a new job and would like to start putting aside what I will owe in taxes next year.

It seems Vanguard already withheld the 20% federal tax because my 3 withdrawals were a requested total of $7,700, but the deposits in my bank account were only $5,562 total.

I live in Maryland. I believe in April 2027 I will owe an additional 17.8% on the 401k withdrawals? 10% early distribution penalty and 7.8% Maryland state tax? I calculated that 17.8% of $7,700 is $1370.60. Can someone confirm that putting aside $1370.60 prior to next April will be sufficient for what I will owe?

The withdrawals were made while I was living in Maryland and my new job is based in Maryland. Prior to first week of January I was living and working in Virginia and have been receiving unemployment via Virginia while living in Maryland. Small window between first week of January and end of January where I was on payroll from the company that laid me off but living in Maryland. Not sure if this info is relevant.

Would greatly appreciate as I have a learning disability and struggle with numbers.

ETA: Looking back at statements and looks like Vanguard may have also withheld state taxes for me.

Confused because $5562 is 72% of $7700 so it seems like 28% has already been withheld by Vanguard? Tried to access specific transaction documents, but had to put in a request so cannot access instantly.

I’ve been carrying a mini air horn for a few months now due to too many run ins with unleashed dogs. Finally had to use it yesterday and it worked!

A smaller dog came bolting down the street at us. I tried going the other direction, tried standing my ground and yelling at the dog but it would not stop. My boy was getting ready to protect me and also likely end that dog. The dog was about 2 ft away from us and when I blew the air horn it stopped both my dog and the unleashed dog in its tracks. The unleashed dog even immediately retreated.

I just started a job in food service/service industry where I’m on my feet for 8 hour shifts. A lot of squatting, reaching, etc.

I am absolutely wiped after my shift even until the next morning. I’m focusing on getting good sleep but that doesn’t seem to be enough.

I’m wearing Hokas and superfeet insoles. I’m 28 and my knees, ankles, and flat feet are really feeling it.

What should I be doing in the gym to make my shifts easier? What should I be doing in general to make the wear on my body less?

TIA

I’d like to get into doing more of the work on my car myself and eventually personally going to the track one day. I understand my current vehicle is unlikely the one that I will be taking to the track in the future.

My car has 175k miles. I will need brake fluid, fuel induction, and spark plug replacement services in the near future. Are these things a newbie could take on? If not, what are recommended services for beginners?

Would also appreciate any tips on how to better care for the car in general. Right now, I regularly service her based on what the car’s internal system alerts me to.

A few years back dealership quoted me $9k for broken turbo. I declined the service because it cost more than what the car was worth. Was informed I would gradually lose acceleration over time, but haven’t noticed anything. I rarely use sport mode if ever.

ETA: The interior ceiling fabric lining is starting to droop so would be interested in DIY fixing that in the future if recommended.

Promised I searched the sub first. Looking for a gynecologist that prescribes PrEP. I just moved back to the area and got in with my old gynecologist at MedStar. She informed me no one at the practice prescribes it.

I don’t have a partner with HIV or particularly high risk activity, but enjoy the assurance and peace of mind that PrEP gives me. My provider in my old town prescribed it regularly under the condition I got bloodwork done every 3 months.

Thanks in advance!

I was coming from Gaithersburg towards Virginia/495 this morning. At the 270 split, I went right/towards 495/VA, passed the Democracy Blvd exit and right before I got onto 495 (where you enter there is a merge with traffic coming from the right) I saw a black SUV crashed past the guard rail and deep into the bushes. You could only see about 1/4 of the rear of the vehicle. Waze had reported it as a car on shoulder, but the hazards were still on and no one else was around.

I called non-emergency at 6:40AM to report it, but can't find any data on it since. Just had a strange feeling about it and have been thinking about it since. I can't help but think that someone was trapped in their vehicle needing help for god knows how long.

ETA: This is NOT the incident on 270 that was causing traffic around 10am. This was much earlier and after 270 ends.